Bergen County and Ramsey Borough property record for 86 Elbert St, Ramsey, NJ 07446 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Year Built | Built 1957 |
| Square Footage | 2,011 sqft Living Area |
| Lot Size | 14,985 sqft (0.344 acres) |
| Last Sale | $655,000 (2022) |
| Tax Bill | $13,979.00 (2025) |
Source: Bergen County and Ramsey Borough records · APN 48-01902-0000-00004
Assessment roll updated June 29, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 86 ELBERT ST, RAMSEY, NJ 07446-1404 |
| Owner Type | Owner is a Company |
| Date | Document |
|---|---|
| Nov 28, 2022 | Bargain and Sale Deed, Transfer · Conventional Mortgage ADVISORS MORTGAGE GROUP LLC |
| May 03, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 28, 2022 · Amount on Record |
| Deed Sale | Nov 28, 2022 · Amount on Record |
| Prior Sale | Jun 19, 2015 · Amount on Record |
| Deed Doc Number | 2022110328 |
| Deed Book / Page | 4868 / 1725 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | BERGEN NJ |
| Recording Date | Nov 28, 2022 |
| Property Address | 86 ELBERT ST, RAMSEY, NJ 07446-1404 |
| Document Number | 0048681725 |
| Book / Page | 4868 / 1725 |
| Instrument Date | Oct 26, 2022 |
| Instrument | 2022110328 |
| Transaction Type | Transfer |
| Record Updated | Jan 09, 2023 |
| Title Company | CARNEGIE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,768.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19 CANDLELIGHT RD, RAMSEY, NJ 07446-1339 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 86 ELBERT ST, RAMSEY, NJ 07446-1404 |
| Document Number | 2022110329 |
|---|---|
| Date | Nov 28, 2022 |
| Instrument | 2022110329 |
| Name | ADVISORS MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERGEN NJ |
| Property Address | 86 ELBERT ST, RAMSEY, NJ 07446-1404 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 86 ELBERT ST, RAMSEY, NJ 07446-1404 |
| Document Number | 0046701646 |
|---|---|
| Date | May 03, 2022 |
| Book Page | 4670/1646 |
| Instrument | 2022047601 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 298 Months |
| Due | Mar 29, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: Bergen County and Ramsey Borough records · Assessment roll updated June 29, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New Jersey |
| County | Bergen County |
| Municipality | Ramsey Borough |
| Unified School District | Ramsey Borough School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $706,700 (+4.09%) Land $399,800 Building $306,900 | $706,700 (+4.09%) Land $399,800 Building $306,900 | |
| 2025 | $13,979.00 (-6.29%) | $678,900 (+28.43%) Land $374,800 Building $304,100 | $678,900 (+28.43%) Land $374,800 Building $304,100 |
| 2024 | $14,917.00 (+7.59%) | ||
| 2023 | $528,600 Land $300,200 Building $228,400 | $528,600 Land $300,200 Building $228,400 | |
| 2022 | $13,865.00 |
Source: FEMA National Flood Hazard Layer, Bergen County (34003C), updated December 8, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 48-01902-0000-00004 |
|---|---|
| Alternative APN |
|
| Building Area | 2,011 sqft Living Area |
|---|---|
| 1st Floor | 2,011 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Construction Type | Frame Construction |
| Lot Area | 14,985 sqft (0.344 acres) |
| Depth X Width | 150 ft x 100 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 86 ELBERT ST |
|---|---|
| City | RAMSEY |
| State | NJ |
| Zip | 07446-1404 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 0.344AC |
| Legal Block | 1902 |
| Legal Lot Number | 4 |
| Jurisdiction | BERGEN NJ |
| Minor Civil Division | RAMSEY |
| Census Blockgroup | 1 |
| Census Block | 1018 |
| Census Tract | 44100 |
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